How to make a complaint
It is our intention to provide a high level of service at all times.
However, if you have any reason to be dissatisfied with the service we provide, you should raise the matter in the first instance with the person who handles your account.
Alternatively, you should contact the Insurance Manager at Unity Insurance Services, Lancing Business Park, Lancing, West Sussex, BN15 8UG or ring 0845 0945 702.
Complaints Handling Procedures and Service Standards
We will send you written acknowledgement of your complaint within five business days of its receipt, giving the name or job title of the individual handling the complaint for us (together with these details of our internal Complaint Handling Procedures and Service Standards).
If we are able to provide a final response within five business days of receipt of a complaint we may combine our acknowledgement of the complaint with the final response.
A final response is a written response from us which:
- accepts your complaint and, where appropriate, offers redress
- offers redress without accepting the complaint
- rejects your complaint and gives reasons for doing so
and which informs you that, if you remain dissatisfied with our response, you may refer your complaint to the Financial Ombudsman Service (FOS) and must do so within six months to be eligible. You can contact the FOS by telephone on 0845 080 1800 and further information is available at http://www.financial-ombudsman.org.uk
We will, within four weeks of receiving your complaint, send you either:
- a final response or
- a holding response, which explains why we are not yet in a position to resolve your complaint and indicates when we will make further contact (which must be within eight weeks of receipt of your complaint)
We will, by the end of eight weeks after receipt of your complaint, send you either:
- a final response or
- a response which:
- explains that we are still not in a position to make a final response, giving reasons for the further delay and indicating when we expect to be able to provide a final response
- informs you that you may refer your complaint to the FOS if you are dissatisfied with the delay and enclosing a copy of the FOS's explanatory leaflet
You may accept our response in writing at any time during this process, even when we have not issued a final response. Our response need not refer to the FOS, but we will explain how your complaint will be progressed if you remain dissatisfied.
Not all complainants may refer complaints to the FOS (for example commercial clients with turnovers over £1million), but, for our part, we will treat all complainants equally and fairly. If the matter complained about is the responsibility of another firm (for example the insurer), we will pass details to them, in writing, within 5 business days, and will issue a final response to you advising you of what we have done.
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